Guaranteed (joint) lifetime income paid as long as one spouse is alive

Market participation

Access to your money

Guaranteed amount or more paid every time

What I don't like about "guaranteed lifetime income ..."

Expenses

So lower return than e.g. underlying index

Complexity

How much of your retirement nest egg would you like in each?

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Exchange traded funds (ETFs) and mutual funds are sold only by prospectus. Investing in ETFs and mutual funds is subject to risk and potential loss of principal. ETFs incur trading and commission costs similar to stocks and frequent trading can negate the lower cost structure of an ETF. There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives. Investors should consider the investment objectives, risks and charges, and expenses of the fund carefully before investing. The prospectus contains this and other important information about the fund. Contact your registered representative of the issuing company to obtain a prospectus, which should be read carefully before investing or sending money.The return and principal value of fixed income securities fluctuate with changes in market conditions. If bonds are not held to maturity, they may be worth more or less than their original value. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Guarantees are based on the claims paying ability of the issuer.

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